What factors besides past credit history does a creditor use to determine a persons creditworthiness

this statement is true.

forests are public goods, available for everybody. when usage of such a good becomes interesting for consumers and its usage increases, there can be a risk of overexploitation. it is a non rival good therefore, if one person consumes the good it does not reduce the availability for subsequent consumers.

these caracteristics require the establishment of measures in order to prevent the destruction of a commonly owned space, for example, to restrict the amount of people that have access to the same time.

good question. i'll be looking into that. (this is a joke sir)

these are the choices

local priests

european monarchs

common people

bible translators